Free North Carolina Life and Health Practice Exam Online

Correct answer: A. As two separate, independently listed lines of authority that a producer must each individually qualify for

Correct. G.S. 58-33-26(c1) lists "Accident and health or sickness" and "Life" as distinct numbered lines of authority, so a "Life & Health" producer is really someone who holds both separate lines together, not one combined line.

• B: Incorrect. NC does not offer a single merged exam or application covering both lines; each line has its own qualification requirement under the statute.
• C: Incorrect. Personal lines under G.S. 58-33-26(c1) refers to property and casualty coverage for individuals, not life or health insurance.
• D: Incorrect. No hardship-waiver mechanism combines these two lines into one; NCDOI has no such waiver process for line-of-authority consolidation.

Correct answer: B. Pass a separate state licensing examination for each line of authority sought

Correct. Because life and accident/health are separate lines under G.S. 58-33-26(c1), an applicant seeking authority in both must sit for and pass the state licensing exam specific to each line.

• A: Incorrect. NC does not administer one merged exam; the two lines are tested separately.
• C: Incorrect. Passing the life exam authorizes only the life line; it does not confer accident and health authority.
• D: Incorrect. There is no waiver process that substitutes for the required licensing examination for either line.

Correct answer: C. The statutory PE-hour mandate in former G.S. 58-33-30(d)(2)-(3) was repealed, though the state licensing exam requirement itself remains in effect

Correct. Session Law 2025-45, Section 1(a) repealed G.S. 58-33-30(d)(2) and (d)(3), eliminating the state-mandated PE hour requirement effective October 1, 2025; NCDOI still recommends PE and the licensing exam is still required.

• A: Incorrect. The change was a repeal of the hour mandate, not an increase in required hours.
• B: Incorrect. The direction of the change was the opposite — a prior mandate was removed, not extended to more lines.
• D: Incorrect. No apprenticeship requirement was created; NC simply removed the PE hour mandate while keeping the exam requirement.

Correct answer: D. As a supplementary license layered on top of the accident and health or sickness line

Correct. G.S. 58-33-26(c1)(5) treats Medicare supplement and long-term care insurance as a supplementary license added on top of the accident and health or sickness line of authority.

• A: Incorrect. Medicare supplement and long-term care authority is not freestanding; it is tied to accident and health authority.
• B: Incorrect. Casualty covers liability and property-related exposures, not Medicare supplement or LTC insurance.
• C: Incorrect. Holding the life line alone does not grant Medicare supplement/LTC authority; it attaches to accident and health.

Correct answer: A. A supplemental written examination as prescribed by the Commissioner

Correct. G.S. 58-33-30(e)(6) requires residents selling Medicare supplement or long-term care insurance to take and pass a supplemental written examination in addition to the standard line-of-authority exam.

• B: Incorrect. The statute specifically layers on an additional supplemental exam requirement beyond the base accident and health exam.
• C: Incorrect. FINRA exams relate to securities/variable products, not the state's Medicare supplement/LTC supplemental exam.
• D: Incorrect. The requirement is a written examination process, not a personal interview with the Commissioner.